| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW SUITE 100 ROCHESTER, MN 55901 | DELTA DENTAL IOWA | $8K | $848 | $9K | 0.41% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $273K | $87 | $273K | 13.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $20K | $20K | 0.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD C/O J P MORGAN CHASE NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 0.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE NORTH FL 7 STE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 0.40% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | TOKIO MARINE HCC - STOP LOSS GROUP | $129K | $56K | $185K | 14.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE #1950 ATLANTA, GA 30339 | HEALTH NET | $0 | $0 | $0 | 0.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES | 900 HAMILTON AVE STE 500 CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $0 | $12K | 2.26% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $4K | $29K | $33K | 12.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 1.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | RSA BATTLE HOUSE TOWER 11 N WATER ST 19 FL STE 19290 MOBILE, AL 36602 | STANDARD INSURANCE COMPANY | -$968 | — | -$968 | -0.37% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $21K | $5K | $26K | 12.43% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $87 | $16K | 11.26% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD C/O J P MORGAN CHASE NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $441 | $441 | 0.31% |
| ADVANTAGE HEALTHCARE PLANNING3 | PO BOX 173 SPRING LAKE, NJ 07762 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 5.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1150 JULLIAN DR WATKINSVILLE, GA 30677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $5K | $17K | 14.35% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 3.82% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | HARTFORD LIFE AND ACCIDENT | $0 | $347 | $347 | 0.36% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | 3900 KINROSS LAKES PKWY RICHFIELD, OH 44286 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 2305 RIVER RD LOUSIVILLE, KY 40206 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE #1950 ATLANTA, GA 30339 | GUARDIAN | $11K | — | $11K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $4K | — | $4K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $87 | $5K | 18.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE NORTH FL 7 STE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $623 | $0 | $623 | 2.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD C/O J P MORGAN CHASE NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $375 | $375 | 1.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $264 | $264 | 1.01% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $87 | $2K | 14.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANASA CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $105 | $105 | 0.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD C/O J P MORGAN CHASE NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $62 | $62 | 0.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL TN EIN 62-0812197 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $21K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 5,266 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 899 | $8.2M |
| Dental(9 contracts, 7 carriers) | DELTA DENTAL IOWA | 1,101 | $3.0M |
| Vision(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,412 | $7.0M |
| Life insurance(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,638 | $2.4M |
| Short-term disability(7 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,638 | $2.6M |
| Long-term disability(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,638 | $2.3M |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 899 | $6.5M |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC - STOP LOSS GROUP | 2,940 | $1.3M |
| Other(7 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 6,638 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,638 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.